Bay County property record for 4209 E 39th St, Panama City, FL 32404
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,325 sqft · built 1976 |
| Lot Size | 2.9 acres (126,411 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $65,000 (Mar 2011) |
| Tax Bill | $1,842 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 11502-030-000 |
| Primary APN | 11502-030-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,325 sqft Heated Area |
| Gross Area | 2,463 sqft |
| 1st Floor Area | 1,325 sqft |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1976 |
|---|---|
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Shingle |
| Lot Area | 126,411 sqft (2.9 acres) |
| Lot Dimensions | 165 ft deep x 132 ft wide |
| Garage Type | Detached |
| Garage Area | 1,170 sqft |
| Porch | Porch |
|---|---|
| Porch Area | 438 sqft |
| Patio Area | 700 sqft |
| Fence | Fence |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 4209 E 39TH ST |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32404-2091 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | BC15 |
| Legal Description | 13 3S 14W -130.8- 116A ST AND BAY DEV CO PLAT BEG 132' E OF NW COR OF LOT |
| Legal Range | 14W |
| Legal Township | 03S |
| Legal Section | 13 |
| Legal Subdivision | ST AND BAY DEV CO |
| Legal Lot Number | 128 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 3 |
| Census Block | 3043 |
| Census Tract | 500 |
4209 E 39th St is owned and occupied by two individuals who bought it in March 2011.
Source: Bay County records, as of January 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 4209 E 39TH ST, PANAMA CITY, FL 32404-2091 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 17, 2011 · Amount on File |
| Deed Sale | Mar 17, 2011 · Amount on File |
| Prior Sale | Apr 26, 2006 · Amount on File |
| Deed Document Number | 2011012710 |
| Deed Book / Page | 3310 / 0285 |
| Record Updated | Jun 8, 2026 |
The 2025 property tax bill for 4209 E 39th St was $1,842 with a homeowner's exemption.
Source: Bay County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Bay County |
| Unified School District | Bay County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,842.00 Homeowner's exemption | $188,537 | $195,356 Land $95,943 Building $99,413 |
| 2023 | $1,778.00 (+11.54%) Homeowner's exemption | $177,887 (+3%) | $181,854 (+4.78%) Land $87,396 Building $94,458 |
| 2022 | $1,594.00 Homeowner's exemption | $172,706 | $173,550 Land $87,396 Building $86,154 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4209 E 39th St in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.
Source: FEMA National Flood Hazard Layer, effective September 16, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 190 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 190 in force |
| Nearby Flood Claims | 6 (2018–2021) |
| Claims Outside the SFHA | 3 of 6 |
| Most Recent Claim | Aug 2021 · Tropical Storm Fred |
| Claims by Event |
|
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Wildfire risk around 4209 E 39th St is moderate, ranking above 52% of the US, with a 0.1% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 52% of the US · lower than 76% of Florida |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | BAY COUNTY WATER SYSTEM serves 40,848 people · EPA ID FL1030050 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Jul 2025 |
| Lead | Under 1 ppb (2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 125 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · Fixed Wireless in parts of the area | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| WOW Internet, Cable & Phone Cable | 1,200 / 50 |
| Mediacom Xtream Cable | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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